Search found 848 matches

by bayview
Tue Nov 22, 2016 6:36 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3267
Views: 780662

Re: U.S. stocks in freefall

Uncle Pennybags wrote:
just frank wrote:I have a hard time believing that there is a cadre of DIY investors reading Krugman's column twice a week and trading their investments based on it.

That's good, it keeps the market efficient; for every sucker seller there is a sucker buyer.

Or livesoft, picking up a few bargains on a RBD. 8-)
by bayview
Sat Nov 19, 2016 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: TSP or Vanguard
Replies: 17
Views: 1643

Re: TSP or Vanguard

I can't imagine giving up access to the G fund. If nothing else, put all your bond allocation (and IMO, it should be higher) in TSP/G. Yes, the withdrawal restrictions are annoying, but they may change over time, and again, why would you give up access to the G fund? Edit to add: I'm about 4 1/2 yea...
by bayview
Sat Nov 19, 2016 9:35 pm
Forum: Investing - Theory, News & General
Topic: Why are bonds dropping? They are supposed to be safe.
Replies: 171
Views: 19180

Re: Why are bonds dropping? They are supposed to be safe.

riptide wrote:Bonds have been dropping [recently...]
Why ? I thought they were a stable fixed investment.

Maybe you should move your bond allotment to your TSP account --> G fund.

It keeps creeping upward. Nothing spectacular, but always inching upward.
by bayview
Wed Nov 16, 2016 7:39 pm
Forum: Investing - Theory, News & General
Topic: "Comedians' best lines of financial wisdom"
Replies: 20
Views: 3485

Re: "Comedians' best lines of financial wisdom"

This is in someone's signature line, I think:

"Don’t gamble; take all your savings and buy some good stock, and hold it till it goes up, then sell it. If it don’t go up, don’t buy it.” 8-) --Will Rogers
by bayview
Fri Nov 11, 2016 12:34 pm
Forum: Investing - Theory, News & General
Topic: FERS TSP contribution percentage: How to
Replies: 5
Views: 400

Re: FERS TSP contribution percentage: How to

I'm in FERS and TSP. I max out at $24,000 ($18k + catch-up.) That's around 38% of my salary. My agency contributes an additional 5%. There shouldn't be a percentage restriction in specific agencies. Which website is he using? When I was still increasing my contributions, I generally did it on the my...
by bayview
Fri Oct 28, 2016 5:29 am
Forum: Investing - Help with Personal Investments
Topic: In 15% tax bracket. Should we convert IRA to Roth IRA?
Replies: 17
Views: 1752

Re: In 15% tax bracket. Should we convert IRA to Roth IRA?

Depending upon how big your tIRA's grow, one benefit of converting to Roth, even if not in a high bracket at first glance, is that your RMD's will be lower. The income tax on your RMD's might push you into a higher tax on your SS income, and so forth.
by bayview
Sun Oct 23, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: Aldi doesn't accept phone calls
Replies: 36
Views: 4247

Re: Aldi doesn't accept phone calls

I'd be pretty peevish if I had lost something during the course of a day and wanted to call places I'd been to find if it had been turned in...

I guess we should resign ourselves to the shrinking of customer service in the name of cost-savings. :(
by bayview
Sun Oct 23, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: Another "replace car or not" decision
Replies: 13
Views: 1178

Re: Another "replace car or not" decision

Do you think that you'll be putting more, fewer, or about the same number of miles on it after retirement?
by bayview
Sun Oct 23, 2016 12:06 pm
Forum: Investing - Theory, News & General
Topic: "Years Of Expenses": Preferable To "% Of Portfolio" For Retirees' Fixed Income?
Replies: 39
Views: 2733

Re: "Years Of Expenses": Preferable To "% Of Portfolio" For Retirees' Fixed Income?

Since we don't need to withdraw for regular needs, we will draw down my TSP account, currently 83% G fund, over a 20-year period, somewhat matching the RMD's. We figure that we're more likely to travel and so forth during this 20 years, and whatever isn't used will be put into CD's and similar safe...
by bayview
Sat Oct 22, 2016 1:48 pm
Forum: Investing - Theory, News & General
Topic: "Years Of Expenses": Preferable To "% Of Portfolio" For Retirees' Fixed Income?
Replies: 39
Views: 2733

Re: "Years Of Expenses": Preferable To "% Of Portfolio" For Retirees' Fixed Income?

I arrived at my target 30/70 stock/fixed-income AA in about 2007 by using the ability, willingness, and need to take risk paradigm that I learned about from Larry Swedroe's books. When I learned about the Liability Matching Portfolio / Risk Portfolio (LMP/RP) paradigm from William Bernstein's more ...
by bayview
Sat Sep 24, 2016 7:36 pm
Forum: Personal Consumer Issues
Topic: Companion Dogs for an older person
Replies: 42
Views: 3117

Re: Companion Dogs for an older person

What about a Corgi? It sounds like your mom can still handle the walks and all, but at least she's less likely to be knocked down by a Corgi-sized dog than a Lab. (I love both.)
by bayview
Wed Sep 21, 2016 7:05 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 10554

Re: Favorite Coffee

Does anyone here grind their own coffee? Of those that do, does anyone use a manual burr mill or simply an electric grinder? We grind our Peet's French Roast in an ancient Mr. Coffee electric grinder. The beans are really oily (that's why the coffee is so good), so I scrape it out every few days. I...
by bayview
Tue Sep 20, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: a car problem (Subaru)
Replies: 21
Views: 3391

Re: a car problem (Subaru)

The end of the story....the mechanic said that it was either a valve problem or a piston ring problem. The cost for fixing both is $4400 - Subaru has generously agreed to pay $3000 of the cost. I hope this will be the end of it. That's pretty remarkable. I would never have thought that a carmaker w...
by bayview
Fri Sep 16, 2016 7:15 pm
Forum: Personal Consumer Issues
Topic: Refrigerator issues - Temperature & Other
Replies: 22
Views: 1662

Re: Refrigerator issues - Temperature & Other

OP, hope it works out for you, but if you have to replace it, you should check out French door refrigerators. The space problems of side-by-sides are eliminated, as both the fridge and freezer portions use the full width. I also like having the freezer on the bottom, so that the fresh food portion i...
by bayview
Thu Sep 15, 2016 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Will you delete the Stocks App from your iPhone?
Replies: 31
Views: 2679

Re: Will you delete the Stocks App from your iPhone?

I curently have an app container labeled "apple bloat" that I wouldn't mind deleting completely. The stocks app is definitely in that container. Me, too, except my container is labeled "Junk." :happy Mine is labeled "Crapple." :D I've never used the stock app, and it d...
by bayview
Wed Sep 14, 2016 8:49 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 10554

Re: Favorite Coffee

Peet's French Roast, yes even here in NC. :D We buy the whole bean version, storing the bag in the freezer, and then grind it each morning, which makes the house smell great. We brew it in a Bund brewer in a thermal carafe without a heating plate, so no burnt coffee. We used to do the French press t...
by bayview
Wed Sep 14, 2016 8:36 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Bank Balance better predictor of happiness than Total Wealth
Replies: 43
Views: 6488

Re: WSJ: Bank Balance better predictor of happiness than Total Wealth

We barely have more than $200 in our checking accounts at any given time. :D EVERYTHING goes into savings. If something comes up, we grudgingly pull it out from the savings. But we don't keep money unnecessarily in pitiful checking. I remember once finding an ATM slip at the local gas-beer-live bait...
by bayview
Mon Sep 12, 2016 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone else feeling courageous enough to buy today?
Replies: 90
Views: 6853

Re: Is anyone else feeling courageous enough to buy today?

Well I did it I bought all 5. I'm hoping I get at least a little cushion this week in case it starts bouncing around again or does the zigzag stuff. Up and down like the rollercoaster it's been the past month. Why would it matter if "it starts bouncing around again or does the zigzag stuff&quo...
by bayview
Mon Sep 12, 2016 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone else feeling courageous enough to buy today?
Replies: 90
Views: 6853

Re: Is anyone else feeling courageous enough to buy today?

Well I did it I bought all 5. I'm hoping I get at least a little cushion this week in case it starts bouncing around again or does the zigzag stuff. Up and down like the rollercoaster it's been the past month. Why would it matter if "it starts bouncing around again or does the zigzag stuff&quo...
by bayview
Mon Aug 29, 2016 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house near church
Replies: 65
Views: 5015

Re: Buying house near church

We once lived on post next door to the military chapel. The "bells" were electronic, and occasionally they would ring at 2 a.m. or so, right outside my parents' bedroom window. The chaplain received plenty of phone calls from my dad with some pretty unholy language. :D
by bayview
Sat Aug 27, 2016 8:15 am
Forum: Investing - Theory, News & General
Topic: My only fund not in the red today...how about you?
Replies: 23
Views: 2255

Re: My only fund not in the red today...how about you?

Just a downer day all across the board. My only fund not in the red is an emerging markets fund I am stubbornly holding onto until I've recovered my losses. Up 2 cents a share....I know just put it all in one fund and don't look. I can see why. 8-) Yep, mine too. The only thing up was G fund in my ...
by bayview
Thu Aug 25, 2016 8:33 pm
Forum: Personal Consumer Issues
Topic: Question about employee development
Replies: 28
Views: 1491

Re: Question about employee development

I don't know how blunt you're allowed to be, but if you can be honest with him, I'd advise him to get to the nearest community college/ local college/ university and enroll (again) in Freshman Comp if he wants to remain employed, whether with you or anyone else. Maybe a technical writing course, dep...
by bayview
Thu Aug 25, 2016 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Using TSP Loan for Mortgage Down Payment?
Replies: 5
Views: 584

Re: Using TSP Loan for Mortgage Down Payment?

I don't think it's completely unreasonable, because your TSP allo is all G fund. I love the G fund and do pretty much the same myself, but its return is pretty low. (Worth it to me for the safety, but we're just talking return here.) Therefore, the usual argument against taking a 401k loan, where yo...
by bayview
Tue Aug 23, 2016 7:51 pm
Forum: Personal Consumer Issues
Topic: Rented a car on business, received a parking ticket 11 months later?
Replies: 29
Views: 2517

Re: Rented a car on business, received a parking ticket 11 months later?

Hey All, I just received a "violation notice" from Avis for a trip to California I took about a year ago on business. The funny thing about this, I have pictures from that day and never parked anywhere I couldn't. Admittedly, the only thing I did was park in somebodies driveway (lol) on a...
by bayview
Tue Aug 23, 2016 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Can I semi-retire (or retire?)
Replies: 78
Views: 6956

Re: Will I be able to tell my wife I can semi-retire (maybe retire!)?

More seriously, I am still employed full-time while DH is retired (will be 67 in January.) I am perfectly happy with this arrangement, but I can't help being a bit envious - I wanna be retired too! But I will be retired in not quite 5 years (knock wood), so I grit my teeth and do my thing. I'm not ...
by bayview
Tue Aug 23, 2016 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else getting nervous and converting to cash as a short-term move?
Replies: 116
Views: 11501

Re: Anyone else getting nervous and converting to cash as a short-term move?

We have our first kid on the way, so I'm keeping more cash in savings in anticipation of hospital bills and whatnot. And that makes me nervous because I'm doing it instead of funding my Roth IRA this year. But at least we'll get the tax break. Go back and read through how much people were freaking ...
by bayview
Tue Aug 23, 2016 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Can I semi-retire (or retire?)
Replies: 78
Views: 6956

Re: Will I be able to tell my wife I can semi-retire (maybe retire!)?

I'd like to hear how that conversation goes. HE: Hey honey! Since my at-home business has slowed down, why don't we just say I "retired". Of course we need money to live on, so I think it would be safe if you just kept working...until you get enough Social Security for us to live off of. ...
by bayview
Mon Aug 22, 2016 6:19 pm
Forum: Personal Consumer Issues
Topic: Long wait on Vanguard Phone Lines-What's going on?
Replies: 54
Views: 5992

Re: Long wait on Vanguard Phone Lines-What's going on?

We generally do everything online, but sometimes there is no choice but to call (VG requirements.) I called twice a month ago, held for 20-30 minutes each time, and called back to take the option of them calling me. No return call either time. Actionable part: I don't plan to leave Vanguard, but I'm...
by bayview
Mon Aug 22, 2016 6:00 pm
Forum: Personal Consumer Issues
Topic: new potential tenants negotiating on rent
Replies: 72
Views: 6996

Re: new potential tenants negotiating on rent

Yes i did, and a little more as she is moving in 10 days earlier, otherwise it was going to sit vacant. The manager will come by once a month to do yard maintenance. As homeowners who like to sit on our front porch of an evening, and who are forced to look at the high weedy grass of the rental acro...
by bayview
Fri Aug 05, 2016 10:10 pm
Forum: Personal Consumer Issues
Topic: Heart rate monitors
Replies: 22
Views: 1292

Re: Heart rate monitors

Are you a professional athlete? Have a heart problem? I've gone my whole life without a HRM. Ran marathons, cycled century rides, climbed mountains. Keep it simple. Me too. Playing with data is fun though so I think about it from time to time. However, I can count my pulse for 15 sec and multiply b...
by bayview
Fri Aug 05, 2016 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Appealing out of network medical bill while on vacation
Replies: 18
Views: 1699

Re: Appealing out of network medical bill while on vacation

I agree with waiting it out. Out-of-network companies do not have to balance bill. Agree. You may see several months' worth of bills, with fees tacked on each month. It will probably die off once the insurance has finally settled down. However, if you don't already, I would subscribe to a credit mo...
by bayview
Wed Aug 03, 2016 5:54 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1086
Views: 184633

Re: What are you up YTD? [Year To Date]

Bacchus01 wrote:Somewhere around 20% using Beardstown Ladies.

About half of that is portfolio growth. Call it 10%.

Sounds about right.

:D
by bayview
Wed Aug 03, 2016 5:04 am
Forum: Personal Finance (Not Investing)
Topic: Marriage, budgeting, and taxable accounts
Replies: 41
Views: 2969

Re: Marriage, budgeting, and taxable accounts

Play money? His? Hers? Are we talking about marriage? Joint? as in Jim and Jane Doe JTWROS? (joint tenants with right of survivorship). Play money - hmm? how about this system instead; anything over a set dollar limit you check with each other before you spend it, otherwise just consider it to be p...
by bayview
Tue Aug 02, 2016 6:42 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1086
Views: 184633

Re: What are you up YTD? [Year To Date]

Trailing portfolio return (time-weighted return, comparable return) Portfolio return as of 7/31/16 1 month 1.70% 3 months 2.64% 6 months 6.46% YTD 4.27% 1 year 1.70% 3 years* 4.61% 63.6% bonds - all Treasuries, mostly G fund, the rest VG Treasury funds 29.0% US stock - approximately broad US market ...
by bayview
Mon Jul 25, 2016 5:04 pm
Forum: Personal Consumer Issues
Topic: Car totaled, no collision insurance
Replies: 78
Views: 6993

Re: Car totaled, no collision insurance

I think you are in a legally dangerous situation. Does your insurance company know that two of your cars are being operated by your adult daughters in another state? Your cars they are driving may not be rated properly for the risk. If one of them is in an accident, your insurance company could can...
by bayview
Sun Jul 24, 2016 8:13 pm
Forum: Personal Consumer Issues
Topic: What is this strange piece of scientific glassware?
Replies: 46
Views: 4782

Re: What is this strange piece of scientific glassware?

Epsilon Delta wrote:...It's hard to overstate how casually people used to handle mercury. Kids would pour in onto a table and chase it around for amusement...

Were you in tenth-grade chemistry with me, 1969? :D
by bayview
Wed Jul 20, 2016 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Boss cutting salary in response to employee not doing "job"
Replies: 78
Views: 9174

Re: Boss cutting salary in response to employee not doing "job"

...She plans on quitting next time her boss is overseas (her boss is in the US now, which makes it even worse)... :shock: :shock: :shock: Regardless of the merits of her complaints against her boss, quitting like that, in my opinion, would show a complete lack of class. +1,000 In the South, we call...
by bayview
Tue Jul 19, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: Kitchen Faucet & Sink recommendations?
Replies: 36
Views: 2221

Re: Kitchen Faucet & Sink recommendations?

We installed a Kraus 36 inch single bowl apron front sink last year during our kitchen gut job, and I want to hug it every time I walk by: https://www.amazon.com/gp/product/B003XI5FL0/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 It's large enough to wash a grandchild, if ever we have one, or faili...
by bayview
Fri Jul 15, 2016 6:57 pm
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3593

Re: Raising a reader

The main thing we did is to read to them every night before bed. You can start now with simpler books and then work your way up. My renditions of Hop on Pop and Green Eggs and Ham were highly regarded back in their day. +1 Oh, Lordy, how many times did I read Fox in Socks... "AND... "When...
by bayview
Fri Jul 15, 2016 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on VTIBX for a new investor [Vanguard Total Int'l Bond]
Replies: 8
Views: 954

Re: Advice on VTIBX for a new investor [Vanguard Total Int'l Bond]

I switched from VTIBX to VFSVX, Vanguard FTSE All-World ex-US Small Cap Index Fund Investor Shares (whew.) My reasoning was that there seemed to be an awful lot of similarities between total US and total international, but less so with the small cap international fund. It's more expensive, but still...
by bayview
Fri Jul 15, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3593

Re: Raising a reader

Turn off the TV. Read books with him in your lap, so that reading equates to love and comfort and security. Tell stories, long, fanciful stories, and leave them at a cliff-hanger point (end of chapter.) That's how a lot of the classic children's books originated. As he gets older, read him stories t...
by bayview
Fri Jul 08, 2016 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Can we start another forum section? [Taxation of Social Security benefits]
Replies: 60
Views: 4879

Re: Can we start another forum section?

I read from the main page and hardly ever visit individual forums. All sorts of questions are only relevant to people in specific groups. There would be hundreds of forums if each only catered to a specific situation. The best thing for posters to do is to provide as much relevant info as possible....
by bayview
Wed Jul 06, 2016 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a million dollar house?
Replies: 85
Views: 9024

Re: Can I afford a million dollar house?

Female here, votes for Debbie Downer as non-sexist, clear cultural reference, amusing and appropriate. +1 I also went back to read where it was first used as I didn't recall reading it. After reading WCI's post again, yeah I had read that and it didn't sound like him, but it's not offensive, in my ...
by bayview
Wed Jul 06, 2016 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about billing before a medical procedure?
Replies: 41
Views: 3060

Re: What do I need to know about billing before a medical procedure?

Keep asking. Keep smiling, but keep asking. And yes, you absolutely do want to check out the anesthesiologist, and also any nurse anesthetist who might be working (= actually providing anesthesia) under the anesthesiologist's supervision. Would they generally know who all the professionals will be ...
by bayview
Tue Jul 05, 2016 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about billing before a medical procedure?
Replies: 41
Views: 3060

Re: What do I need to know about billing before a medical procedure?

I read this thread with a lot of interest as we have a medical procedure in the family coming up. It is expected to be outpatient in a hospital. The other thread veered off topic and got locked - I'm hoping to keep this very actionable. What do I need to do beforehand to avoid surprise bills? Speak...
by bayview
Tue Jul 05, 2016 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Just found out I have a TSP
Replies: 22
Views: 2200

Re: Just found out I have a TSP

I'd keep the TSP, 100% in the G fund. Take some of the burden off the crappy 401k bond funds. Also, they are supposedly working on making the withdrawal options more flexible, as they are apparently getting alarmed at the number of participants pulling everything out when they retire. Depending on h...
by bayview
Tue Jul 05, 2016 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a million dollar house?
Replies: 85
Views: 9024

Re: Can I afford a million dollar house?

OP, here's my take: You can probably afford the house, if you don't have any disastrous surprises occur. (I sure couldn't handle the pucker factor, though.) Note: as a homeowner, I can tell you that you will have disastrous surprises... But consider this very possible scenario: We have another 2007-...
by bayview
Tue Jul 05, 2016 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Social security loss if retiring early
Replies: 28
Views: 2694

Re: Social security loss if retiring early

A note of caution re the estimator. And if I'm wrong, I will cheerfully appreciate being told so... The estimator assumes that you are going to continue working to the various projected ages, earning the same amount that you are now. If you are going to cut back your hours (and pay), or retire comp...
by bayview
Tue Jul 05, 2016 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Social security loss if retiring early
Replies: 28
Views: 2694

Re: Social security loss if retiring early

A note of caution re the estimator. And if I'm wrong, I will cheerfully appreciate being told so... The estimator assumes that you are going to continue working to the various projected ages, earning the same amount that you are now. If you are going to cut back your hours (and pay), or retire compl...
by bayview
Tue Jul 05, 2016 5:43 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1086
Views: 184633

Re: What are you up YTD? [Year To Date]

My 90/10 three fund is only up 2.88 and I'm feeling kinda bummed reading about everybody elses Don't forget that people measure and report using forty-'leven or so different methods. One day I will break out our liability-matching and risk portfolios on the Return Spreadsheet for Bogleheads https:/...

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